{"id":11140,"date":"2008-10-06T22:46:21","date_gmt":"2008-10-07T02:46:21","guid":{"rendered":"https:\/\/www.ewmrealestate.com\/blog\/?p=11140"},"modified":"2019-04-23T20:57:06","modified_gmt":"2019-04-23T20:57:06","slug":"programa-esperanza-para-propietarios","status":"publish","type":"post","link":"https:\/\/ewmrealestate.com\/blog\/programa-esperanza-para-propietarios\/","title":{"rendered":"Programa Esperanza para Propietarios"},"content":{"rendered":"<p class=\"MsoNormal\" style=\"margin: 0in 0in 0pt;text-align: justify\"><span style=\"font-family: Arial\"><span style=\"font-size: small\"><a href=\"https:\/\/www.ewmrealestate.com\/blog\/files\/2008\/10\/house-mortgage.jpg\"><img loading=\"lazy\" class=\"alignright size-medium wp-image-11141\" src=\"https:\/\/www.ewmrealestate.com\/blog\/files\/2008\/10\/house-mortgage-300x300.jpg\" alt=\"\" width=\"300\" height=\"300\" \/><\/a>La nueva ley firmada por el Presidente Bush y que entr\u00f3 en vigencia a partir del mes en curso (octubre 2008), se extender\u00e1 hasta Septiembre 2011. El programa esperanza, permitir\u00e1 que algunos propietarios<span> <\/span>que actualmente no pueden pagar sus hipotecas sean elegibles para obtener refinanciamiento mediante hipotecas aseguradas por la FHA.<\/span><\/span><\/p>\n<p class=\"MsoNormal\" style=\"margin: 0in 0in 0pt;text-align: justify\"><span style=\"font-family: Arial\"><span style=\"font-size: small\"> <\/span><\/span><\/p>\n<p class=\"MsoNormal\" style=\"margin: 0in 0in 0pt;text-align: justify\"><span style=\"font-family: Arial\"><span style=\"font-size: small\">A trav\u00e9s de FHA Secure, los propietarios pueden verificar si son elegibles para obtener el refinanciamiento, para ello deben comunicarse con la agencia local del HUD de su condado o a las l\u00edneas telef\u00f3nicas (888) 995-HOPE y (800) CALL-FHA.<\/span><\/span><\/p>\n<p class=\"MsoNormal\" style=\"margin: 0in 0in 0pt;text-align: justify\"><span style=\"font-family: Arial\"><span style=\"font-size: small\"> <\/span><\/span><\/p>\n<p class=\"MsoNormal\" style=\"margin: 0in 0in 0pt;text-align: justify\"><span style=\"font-family: Arial\"><span style=\"font-size: small\">Para el otorgamiento de los nuevos pr\u00e9stamos<span> <\/span>se considerar\u00e1 la capacidad de pago a largo plazo de la familia, cuya proporci\u00f3n hipotecaria de deuda ingreso sea menor del 31%, se otorgar\u00e1 solo a los propietarios que ocupan sus viviendas principales, que posean hipotecas originadas antes del primero de enero del a\u00f1o 2008.<span> <\/span><\/span><\/span><\/p>\n<p class=\"MsoNormal\" style=\"margin: 0in 0in 0pt;text-align: justify\"><span style=\"font-family: Arial\"><span style=\"font-size: small\"> <\/span><\/span><\/p>\n<p class=\"MsoNormal\" style=\"margin: 0in 0in 0pt;text-align: justify\"><span style=\"font-family: Arial\"><span style=\"font-size: small\">Entre algunas de las caracter\u00edsticas relevantes de los pr\u00e9stamos asegurados FHA podemos mencionar las siguientes: monto m\u00e1ximo $ 550,440, tasas fijas a 30 a\u00f1os, proporci\u00f3n m\u00e1xima del 90% del pr\u00e9stamo a valor e inexistencia de multas por pagos adelantados.<\/span><\/span><\/p>\n<p class=\"MsoNormal\" style=\"margin: 0in 0in 0pt;text-align: justify\"><span style=\"font-family: Arial\"><span style=\"font-size: small\"> <\/span><\/span><\/p>\n<p class=\"MsoNormal\" style=\"margin: 0in 0in 0pt;text-align: justify\"><span style=\"font-family: Arial\"><span style=\"font-size: small\">Los prestamistas tradicionales pueden seguir ofreciendo la alternativa de los pr\u00e9stamos FHA y algo muy importante es que dada la distorsi\u00f3n del valor del mercado de la propiedad con relaci\u00f3n al valor del pr\u00e9stamo, pueden voluntariamente reducir los saldos del balance hasta el 90% del valor del pr\u00e9stamo.<span> <\/span>Adicionalmente, deben perdonar cualquier cargo u honorario que se deba pagar para cancelar los costos de origen y gastos de cierre de los nuevos pr\u00e9stamos.<\/span><\/span><\/p>\n<p class=\"MsoNormal\" style=\"margin: 0in 0in 0pt;text-align: justify\"><span style=\"font-family: Arial\"><span style=\"font-size: small\"> <\/span><\/span><\/p>\n<p class=\"MsoNormal\" style=\"margin: 0in 0in 0pt;text-align: justify\"><span style=\"font-family: Arial\"><span style=\"font-size: small\">As\u00ed mismo, el programa busca mayores controles para evitar fraudes hipotecarios al establecer un sistema de licencias y registro de los originadores de pr\u00e9stamos a nivel nacional.<span> <\/span><\/span><\/span><\/p>\n<p class=\"MsoNormal\" style=\"margin: 0in 0in 0pt;text-align: justify\"><span style=\"font-family: Arial\"><span style=\"font-size: small\"> <\/span><\/span><\/p>\n<p class=\"MsoNormal\" style=\"margin: 0in 0in 0pt;text-align: justify\"><span style=\"font-family: Arial\"><span style=\"font-size: small\">Este programa constituye un esfuerzo significativo en el rescate y estabilizaci\u00f3n del mercado inmobiliario, al ofrecer soporte financiero a miles de familias que est\u00e1n en riesgo de perder sus hogares.<span> <\/span>A mediano plazo junto al Plan de Rescate Financiero, recientemente aprobado por el Congreso de los Estados Unidos, deber\u00eda ofrecer una nueva cara del<span> <\/span>mercado inmobiliario y de la econom\u00eda en general.<\/span><\/span><\/p>\n<p class=\"MsoNormal\" style=\"margin: 0in 0in 0pt;text-align: justify\"><span style=\"font-family: Arial\"><span style=\"font-size: small\"> <\/span><\/span><\/p>\n<p class=\"MsoNormal\" style=\"margin: 0in 0in 0pt;text-align: justify\"><span style=\"font-family: Arial\"><span style=\"font-size: small\">Para m\u00e1s informaci\u00f3n visite la p\u00e1gina web<span> <\/span><\/span><a href=\"http:\/\/espanol.hud.gov\/\"><span style=\"font-size: small\">http:\/\/espanol.hud.gov<\/span><\/a><\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>La nueva ley firmada por el Presidente Bush y que entr\u00f3 en vigencia a partir del mes en curso (octubre 2008), se extender\u00e1 hasta Septiembre 2011. El programa esperanza, permitir\u00e1 que algunos propietarios que actualmente no pueden pagar sus hipotecas sean elegibles para obtener refinanciamiento mediante hipotecas aseguradas por la FHA. A trav\u00e9s de FHA<\/p>\n<p class=\"more-link\"><a href=\"https:\/\/ewmrealestate.com\/blog\/programa-esperanza-para-propietarios\/\" class=\"themebutton2\">Read More<\/a><\/p>\n","protected":false},"author":5825,"featured_media":130092,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_expiration-date-status":"","_expiration-date":0,"_expiration-date-type":"","_expiration-date-categories":[],"_expiration-date-options":[]},"categories":[11767],"tags":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v20.0 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Programa Esperanza para Propietarios - BHHS EWM Realty<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/ewmrealestate.com\/blog\/programa-esperanza-para-propietarios\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Programa Esperanza para Propietarios - BHHS EWM Realty\" \/>\n<meta property=\"og:description\" content=\"La nueva ley firmada por el Presidente Bush y que entr\u00f3 en vigencia a partir del mes en curso (octubre 2008), se extender\u00e1 hasta Septiembre 2011. El programa esperanza, permitir\u00e1 que algunos propietarios que actualmente no pueden pagar sus hipotecas sean elegibles para obtener refinanciamiento mediante hipotecas aseguradas por la FHA. 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